23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Adjuster has failed to provide me with a letter validating debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am requesting that you provide validation of this debt.

Please provide the following : 1. Verification that the debt is mine, including the name and address of the original creditor.

2. The amount of the debt and a breakdown of any fees, interest, or charges added.

3. Proof that you are legally authorized to collect this debt.

4. A copy of the signed agreement or contract that created this obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus ( TransUnion, XXXX and XXXX  XXXX have been provided Satisfaction Letters with regard to a creditor 's tradeline XXXX XXXX XXXX XXXX XXXX XXXX  yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor ( XXXX XXXX  ) has referred to me the assignee ( XXXX XXXX XXXX ) and XXXX XXXX  has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you
Product: Mortgage

We have a equity loan with Citibank and they sent us a letter that is was in repayment and we had XXXX options to choose from. to put it all in a fixed rate which would double our payment half in fixed and half in a variable. ( which we chose ) or all in a variable. Well by choosing to split it, it assigned XXXX accounts numbers to the loan. I called to see if we could just put the accounts together and they said no, we would have to refinance. When I called to refinance they said that we could n't refinance. We are planning on moving in the next couple of years so it would not benefit us to shop around for a new loan. We I sent the payments in they keep misapplying them to the wrong account. I keep getting past due notices, I call and they say they are correcting it but then the next month the same thing happens. I made the payments on line and they told me that was causing the problem. so I said should I just make them at the bank and then they told me I cant make the payments at the bank because they wont process correctly, so they told me to call in.I called in and they said I need to mail it in or it wont process correctly. How can you give me a loan and not be able to process the payments correctly. When I asked if they are reporting me late to the credit agencys that said they do n't know I will need to check my credit report. Every person I speak to give me a different answer, and then they are calling me for collections when they are still researching my payments. I want them to process my payments correctly, this is getting very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my right. 

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

On or about XX/XX/XXXX I received notice of a credit inquiry from XXXX XXXX ( sp? ) that I had not caused. I contacted XXXX and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX , XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX XXXX  data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Equifax has violated my rights, by reporting credit accounts on my credit profile that are against the FCRA Laws. 

XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX please delete account XXXX XXXX XXXX XXXX XXXX please delete account XXXX XXXX XXXX XXXX XXXX please remove late paymentXXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove late payments 15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Debt collection

Good Evening ; Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Mortgage

I am a victim of XXXX XXXX XXXX XXXX. I bought a condominium unit in the year XXXX which is located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX California XXXX. I am and was the first and only XXXX female condominium unit holder at the condominium complex in XXXX XXXX. 
I have gone through many years of discrimination due to the XXXXXXXX XXXX XXXX XXXX and being of XXXX decent, originally born in XXXX and XXXX. 
I have reported the acts of discrimination over the years to the XXXX XXXX, the then Attorney General ( XXXX XXXX ), and I have filed complaints with the small claims court for many wrongful instances levied at me because of the XXXXXXXX XXXX XXXX XXXX. 

Case # XXXX is currently being litigated in civil court for XXXX XXXX XXXX. Judge XXXX XXXX XXXX XXXX is the presiding XXXX. Bank of America accepted a pay of my mortgage loan which I signed in a contract with the bank, and was carried out without my knowledge or consent. 

I am homeless and there is not judgement in the case. I need Bank of America to be held accountable for breach of contract in light of the FACT I had reported to Bank of America the I was a victim of Senior Real Estate Fraud from the day the fraudulent activities were levied/committed against me by XXXX XXXX XXXXXXXX XXXX for a special assessment debt to pay back an intended ( to borrow a loan ) from a financial institution in California which was not successful, due to credit unworthiness. the loan was finally borrowed from a banking institution in the state of New York, months later the lien was recorded against my condominium unit on XX/XX/XXXX. Thank you.
Product: Debt collection

The company Midland Credit continues to harass me after stating the following to my initial CFPB complaint : Per your concerns, the above-referenced account has been marked Cease and Desist. While it remains due and owing, we will no longer contact you unless required by law. 

I received a letter stating that MCM will have an attorney review the account of reference. I want this company to stop harassing me. I filed a complaint in XX/XX/year>, they have called my nieces phone and left threatening messages. They have NO right legally to call her phone. Additionally, MCM is a collection company and illegally purchases old accounts and some rectified accounts. I d not want this company contacting me about a Bank they purchased an old outdated debt from. Please publish this complaint and review complaint # XXXX because they are illegally contacting me less than a month of CFPB closing this account AFTER MCM said they will cease contacting me. They also review my credit often with soft inquiries which is illegal. Why are they accessing my XXXX credit file? I have documentation and will have my ATTORNEY review this illegal action. 

To state on the letter I uploaded that in the meantime, as previously requested by you, we will no longer be contacting you regarding this account by phone or in writing unless required by law or you request that we resume communications is TAUNTING and HARASSMENT at another level. Im attaching a picture of this statement, which is highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my XXXX  business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - Experian, XXXX XXXX , XXXX XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
Product: Credit card

On XX/XX/2024, I purchased a cream colored wallet on XXXX from an online XXXX XXXX  with the assistance of a sale associate. The total purchase amount was {$1200.00}. On XXXX XXXX, I reached out to XXXX XXXX via email XXXX and telephone number ( XXXX ) XXXX inquiring tracking information to prepare for delivery. No response was received. After two weeks of not receiving tracking confirmation nor the merchandise, I called Navy Federal to submit a dispute approximately at the end of XX/XX/. At the time of submitting the dispute, Navy Federal provided a provision credit to my platinum Navy Federal credit card on XX/XX/2024. I was contacted by XXXX XXXX XXXX XXXX on XX/XX/2024 stating they were made aware of item not received. I inquired assistance in tracking merchandise but was told to contact XXXX On XX/XX/2024, I was contacted by the sale associate for a second, but with proof of delivery on XX/XX/2024. The document displays request the package required a Direct signature from receiver/ customer. However, that never occurred. The packaged was signed by delivery driver, XXXX. On XX/XX/2024, I contacted Navy Federal requesting a second review to provide new information, however, was ignored. On XX/XX/2024, I contacted Navy Federal at XXXX requesting a second review. I was denied an appeal, was initially told to call XXXX directly then was told our hands our tied and suggested small claims court. I called XXXX same day at XXXX requesting an appeal. XXXX informed the consumer can not submit an appeal directly, the bank must do so. I was finally given a representative that showed compassion. She guided me through the appeal process. Same day at XXXX, I was denied second appeal without Navy Federal submitting new information to XXXX.
Product: Debt collection

First .... I couldn't go past the last section without stating a reason but my reason wasn't included in the list. Thus my explanation. I realize I have a debt with XXXXXXXX XXXX. I realize that debt has been sold to or is being administered by JH Portfolio Debt Equities , LLC. 
I've called XXXXXXXX XXXX to see who it is that I PAY to settle this collection account and they refer me to JH Portfolio Debt Equities. 

My complaint is with JH Portfolio Debt Equities. I've called the number provided on a letter from them in response to my request to pay the debt several times. I get NO return phone calls. I don't want to enter their XXXX program where you buy certain items from XXXX and other businesses and a percentage of your expenditures are applied to your debt, I want to pay off my debt. I've called on XX/XX/2018 at XXXX EST where I was machine directed to leave a voice message. I did so, stating that I wanted to pay off my debt directly. No return phone call. I called back on XX/XX/2018 at XXXX EST left the same message and to date, with the writing of this complaint, haven't heard from the company. 

I then went to the website on XX/XX/2018 and filled out their web contact form. below is a series of e-mail responses between myself and an XXXX where I have again asked how do I pay off the debt and still haven't been given an answer. 

1. XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to me, clientservices Good Morning, Please give our office a call between XXXX - XXXX CST Monday - Friday at XXXX to discuss any account you may have with us in further detail. Our client services department will be happy to assist you.

2. XXXX XXXX XX/XX/2018, XXXX XXXX I've called several times and was only able to leave messages, and no one has returned my calls 3. XXXX XXXX XX/XX/2018, XXXX XXXX Please provide a telephone number for us to reach you at to discuss any account you may have with us in further detail. Our client services department will be happy to assist you.

4. XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX 5. to XXXX With all the back and forth, why can't you just supply a link where I can pay. I received a phone call ( I am an hour ahead of you ) at just the moment when I was indisposed and they left a call back number to the same number where I've left 3 messages already. This is really simple.

I want to pay you ... I need a link online whereby I can pay, or an address whereby I can mail and get a receipt .... why can't you just supply me with the needed link to pay?!?!?!

After the last email, I've heard nothing, no return phone call, no link to pay, no mechanism to pay and so this debt still lingers when I've done all I can to pay. The JH Portfolio company says they don't accept payments, so I've been hesitant to mail a money order to their address in XXXX, MO. How best should I proceed in my attempts to pay XXXX?
Product: Credit reporting or other personal consumer reports

In accordance with the FCR act. Under 15 USC 1681 my federally protected consumer rights of privacy and confidentiality were violated by the accounts listed below. 
XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept. of ED # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602A States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I never gave.

15 U.S.C. 1681c section ( a ) ( 5 ) States ; no consumer reporting agency may make any consumer report containing any of the following items of information : Any item of adverse 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 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

I keep having the same problem with XXXX XXXX someone is using my information and pulling my credit which is a hard inquiry on my credit report. I have contacted them concerning the issue and I also filed a fraud to the credit bureau this is still on my credit report someone trying to get a loan from my information. I was advised to put a freeze on all three credit bureaus which I have done today. But this inquiry is still on my credit report.
Product: Credit reporting or other personal consumer reports

Checkr reported inaccurate information to my contractor XXXX. I received background check report after my account was deactivated from Checkr. I reviewed report and noticed it was inaccurate information in that report about an incident that happened in XXXX XXXX Florida In the report it is reporting a pending case that was close no information as if it is current now. 
My license is valid according to the DMV I called the city courthouse & they supplied me with documentation to prove that the information Checkr reported to XXXX is in fact inaccurate. 

Background check companies like Checkr are required to comply with 15 U.S.C. 1681e of the FCRA, which requires reasonable procedures to ensure maximum possible accuracy of the reports being prepared for employment purposes The FCRA requires that Checkrs employment background check reports meet a legal standard of care in the processing of consumer data. Specifically, it must use reasonable procedures to assure maximum possible accuracy when collecting, reviewing, reporting, and investigating the data that goes into employment background checks. 

Checkr employment-related background check report contained inaccurate, misleading, or false information, that resulted in me getting my account with XXXX deactivated, or fired as a contractor If me as a USA abiding citizen breaks any laws I have consequences, you Checkr broke federal laws of the FCRA that governs you willfully and you should be punished to the full extent of the law. Checkr deserves punitive damages to be taught an exemplary lesson that it is simply unfair for such a company to make staggering profits off of procedures that are so inherently flawed that they keep struggling consumers from obtaining simple working class jobs. Checkr blames XXXX. XXXX blames Checkr, and who suffers? '' I am suffering. Economic loss for me on my end. I dont understand how these major corporations can get away with breaking laws and not being punished.
Product: Credit card or prepaid card

In XX/XX/2022, I called Barclays Bank to cancel my credit card account. They advised me the credit card account was 90 days past due. On XX/XX/2022, late fees were reversed and I paid the account in full. I requested the account to be closed. In 2022, Barclays Bank failed to send statements due to XXXX XXXX. The Barclays Bank credit card was set up for automatic payment of full balance due if the amount for the ebill was {$1000.00} or less via XXXX XXXXXXXX XXXX XXXX Online Banking. XXXX XXXX XXXX  issued a letter dated XX/XX/2022 stating that my Barclays Bank credit card was enrolled in ebills. XXXX XXXX bank did not receive any ebills from Barclays bank in the year 2022. This information was submitted to Barclays Bank as proof that no bill was sent to me. In a letter dated XX/XX/2022 Barclays bank received the dispute and believed that their information was accurate and refused to correct my credit report.
Product: Credit reporting 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. 


Account Name XX/XX/XXXXXXXX Account Name :XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX XXXX # XXXX Account Name :XX/XX/XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXX/XX/XXXX# XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XXXX XXXX XXXX # 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 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.