23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XX/XX/2021 Complaint Against : XXXX : XXXX XXXX and XXXX Application ( fake number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/2021 I had asked this company to STOP harassing me. NO means NO I haven't solicited this junk misleading mail, nor I want to do any business with his misleading letters and company. 
This company has target me as per many others veterans. Based on the Consumer Financial Protection Bureau, which issued a consent order against ClearPath Lending , Inc. ( ClearPath. Please read the below statement.

Now Im receiving an misleading envelop, hard to tell where it does come The he envelop stamp reads Presorted Standard US POSTAGE Paid XXXX NJ Permit # XXXX, A misleading a very confused misleading letter with a title RE : Veterans Administration Loan using my name and home address for marketing.

ClearPath sent numerous numerous advertisements for VA-guaranteed mortgages that, among other things, misrepresented the credit terms of the advertised mortgage senior citizens and veterans are being mislead with this type of letters. This company its obtaining my personal information and misused it for marketing. I had ask not to contact me. No I do not want any contact with this misleading envelops advertisements. Why we veterans are being target for this institutions. 

Do not contact me, do not use my name, do not intent to misleading me please, I'm a senior citizen, a United States veteran and a XXXX  you are causing me XXXX  XXXX  being continuously harassed by this companies who are not 100 % honest. 

STOP, remove my name from any branch, any marketing company that do business with this company. 
I will never do any business with a fake misleading company, Please look at this misleading confusing letter, Desire solution : Please do not use my mane and home address for soliciting / junk mail / not requested marketing. Please Stop ( second request - XXXX, 2021 ) Do not contact me. Im not interested on your business. Remove my name and personal information from your database any other data based that your company submitted y information and your marketing companies.
Product: Debt collection

On this account I made my request for validation, which I have not received response by the corresponding processes, if the agency does not have the necessary documents to prove I m obligation on it shod be removed from my credit reports under FDCPA 15 USC 1692g Sec. 809 ( b ) can not keep unverifiable data in credit bureaus, also they violate the FCRA Law passed 1970 I request 1- What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3- Provide me copies of any papers that show agreed to pay what you say I owe 4- Provide verification or copy of any judgment if applicable 5- Identify the original creditor 6- Prove me the statute of limitation has not expired on this account 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent
Product: Debt collection

Good Day At and/or around XX/XX/XXXX I noticed a new collection was added to my credit report by a debt collector whom I have never heard of or did any business with so I sent a validation letter to all three of the credit reporting agencies ( XXXX XXXX, and XXXX ) and also to the debt collection agency Berlin Wheeler Inc-K asking them to send me verification that this debt actually belongs to me. During this period of time this debt collection agency continued to flag my credit report continuously with this debt {$390.00} and then on several occasions the would updated the balance to {$390.00} further lowering my credit score and imposing bad activity! I have not to this day XX/XX/XXXX received a response to my letters from either agency they have only updated and flagged my credit report and I feel this bogus account should be deleted from all three credit reporting agencies immediately and all collection attempts be stopped! After doing my own research I also found that Berlin Wheeler Inc-K is not licensed in the State of Florida to collect a debt from myself or anyone in the State Of Florida! 
It states I opened a account with them in XX/XX/XXXX which is not true! 
the agency in question is Berlin Wheeler Inc-K XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Product: Debt collection

I wrote to XXXX and XXXX XXXX XXXX located in XXXX DE at the direction of Citibank as Citibank said they are no longer handling my debt on my credit report. I made sure I sent certified mail on 2 separate occasions. I sent them ( XXXX and XXXX ) a letter XX/XX/2022, and XX/XX/2022 and to Citi themselves XX/XX/2022 and requested any sort of verification, validation, fee breakdowns, etc. No one has responded ever. I asked for them to validate and verify the debt as the amounts I owe are unclear and no one can seem to give me a breakdown of fees and no one is willing to help me. I can't even pay the debt if I wanted to yet it lingers on my credit report. i have also disputed this with the credit bureaus and they have failed to help either. They continue to lie that they verified this account - but that's not possible as the reporting is incorrect with an incorrect balance, it's been illegally re-aged, it's reporting current and has been closed for years.. No one will help. I need you to step in! THis is my credit and my livelihood.
Product: Credit card or prepaid card

Reference : Dispute with XXXX XXXX XXXX on XX/XX/ for {$79.00}. 
Case Number : XXXX On XXXX, the amount of {$79.00} was unlawfully and without my authorization placed on my Platinum Capital One Credit Card by XXXX Airlines. 

I contacted XXXX XXXX XXXX customer service department 3 times to discuss this issue and each time I was placed on hold for over 1 hour or a manager never returned my phone calls, so I contacted Capital One to dispute the charge. 

I submitted all the documentation Capital One was requesting to dispute the unauthorized charge to my account, however, Capital One is refusing to credit the {$79.00} to my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX 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 those account 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  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: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

XX/XX/year> i requested cancellation of PMI. In addition i requested reimbursement of 22 months overpaid PMI in the amount of XXXX XXXX. My PMI payments were successfully cancelled but reimbursement of overpaid PMI was denied via email and follow up phone call.
Product: Debt collection

Portfolio recovery associates is still reporting on my credit report, with representatives STILL CONTINUING to call OBNOXIOUSLY at ALL HOURS of the day, IM CONSTANTLY HUNG UP ON by RUDE AND DISRESPECTFUL representatives. 
On XX/XX/2020, I sent them a DV, and they replied by asking me to fill out an " affidavit of identity theft ''. I never received it in the mail nor any paperwork they stated they mailed out to me. After the 30 day time frame for portfolio recovery associates to given to validate the debt, I received a computer generated statement stating the original creditor, account number, amount, the last four of my social security number along with my first and last name. I sent them a letter demanding them to delete the account due to NOT validating the debt with the 30 day frame. The account is still showing up on my credit reports. 

On XX/XX/2020, A Female supervisor inform me that shes NOT allowed to verify the info over the phone but demanded I give her my information. She first lied to me that PRA never received my DV letter and then put me on hold for 10 minutes then to tell me they did receive it. She refused to provide any information over the phone. She then raised her voice at me stating that PRA sent everything to me, and to deal with it myself and hung up. 

On Friday, XX/XX/2020, another male supervisor, refused to provide his name, refused to provide any info over the phone but demanded I provide my bank information. I told him to provide me wikth details of the account and as to why the account hasnt been removed due to PRAs failure to properly respond to a DV letter in a 30 day frame. He hung up. 

On Friday, XX/XX/2020, A male supervisor informed me of what his system showed on the account as : " This debt originated as a XXXX XXXX [ account number ]. The account was opened on [ date ]. the credit card was charged off on [ date ] at a balance of [ x dollars ]. The last payment received from you was on [ date ]. XXXX sold this debt on [ date ]. Portfolio Recovery Associates,  LLC, on whose behalf we are authorized to collect this debt, is now the owner of this debt. 
The male supervisor then raised his voice yelling at me that neither he nor PRA is required to validate any debt since they dont have the time and dont make commission and then hung up. 

Due to FAILURE of validation the debt within 30 days given, the account is CONTINUING to appear on my credit reports WHILE still CONTINUING TO RECEIVE HARASSING CALLS, I DEMAND DELETION of this account IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX. All three reporting companies have notified me my credit freeze had been lifted, THIS WAS NOT AUTHORIZED by me. All of my login information has been hacked. Phone number, address, email have been changed making it impossible for me to access my credit reports and place a freeze. There has been a fraud alert from my bank requiring new bank cards. I am unable to speak with any one at all three credit reporting companies. Terrible customer service to say the least! These companies are entrusted in many cases with our future finances yet have released my most vulnerable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C. 1681 letter is a request to a credit reporting agency ( CRA ) to investigate and correct inaccurate information on a consumer 's credit report. This request is made under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am currently serving in the United States XXXX XXXX and have been for 16.5 years. I am attempting to get a home loan. My XXXX children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family. 

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to Experian, XXXX  and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from my credit monitoring service that there was a new collection of {$1600.00} being reported by " XXXX XXXX '' from a physician that I have never been to, never been contacted by, and never heard of. The original collector is " XXXX XXXX XXXX XXXX XXXX XXXX '' and is located in XXXX XXXXXXXX, Tx and I live in XXXX, Tx over 4 hours away. After researching this physicians office, I learned that the address and picture is to a restaurant in XXXX XXXX has no website and reviews are full of people complaining about the same thing I am reporting to which is a fraudulent scam. 
XXXX has reported that the account was " Opened '' on XX/XX/XXXX with the " report date '' and " date of last activity '' of XX/XX/XXXX. On the other hand, Experian has an " open date '' of XXXX, a " report date '' of XXXX, and a " date of last activity '' of XXXX. 
This dates have obviously been falsified because it has not even been a year of this company trying to collect a debt from me and the dates do not match up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to my car loan company XXXX XXXX XXXX and it was confirmed on the phone i never had any late payments however on my credit report my car loan is reflecting as paid 60 days late for the months of XXXX and XX/XX/2021 which is incorrect. I'd like this account updated to 'paid as agreed ' or 'never late '.
Product: Credit reporting, credit repair services, or other personal consumer reports

This process is a follow-up to prior to my previous complaint that contains these items : XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} These items must be removed for they are erroneously reported in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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: Vehicle loan or lease

In XX/XX/XXXX, I purchased a brand new XXXX XXXX from XXXX XXXX in XXXX MD. It was financed through Wells Fargo. In the summer of XXXX, Wells Fargo repossessed my vehicle. I went to Wells Fargo bank XXXX XXXX MD, and explained my situation and offered to make a smaller payment and asked if they could lower the payment. We were told by the loan officer that they would not listen to our request and that in order to get the car back we had to make full payment and that payments would remain the same. I had contacted them months before the repossession asking for some leniency on payments and was greeted with basically " Too Bad, you signed the loan you pay the amount owed ''. Then after the repossession was finalized they continued to ruin my credit and sending me bills for the remaining amount owed even after the vehicle was resold.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$980.00} STATE OF MI OFFICE CHI XXXX Balance : {$53000.00} STATE OF MI OFFICE CHI XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio recovery refuse to update account with XXXX credit bureau even though they promise to remove a debt I did not have with them. I was never shown a validation letter. I paid and settled account with portfolio recovery because they were purposely reporting incorrect information as far as debt owed. Portfolio recovery continues to submit inaccurate information not updating the letter of settlement although they are not original debt. The have been stalking my account since XXXX with no permission because my credit profile was locked. When I complained they deleted inquiries dating back to XXXX to cover the paper trail. XXXX XXXX knowingly took a settlement amount from me when I was already deleted on XXXX and XXXX on XX/XX/XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

Did not receive no collection letter or knew the company existed until I received a credit alert on my mobile phone. I would think there would be some sort of correspondence or verification on said debt.
Product: Credit reporting or other personal consumer reports

I

HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VP of Lending and XXXX XXXX, asst VP of Lending are falsifying my modified Equity loan with efforts of suppressing my credit score with Equifax, XXXX, and XXXX. I modified this Equity loan  XX/XX/2018, I've never been over 30, 60, 90, 120, 150 nor 180 as teported on my credit report. This Racially charged effort by both XXXX XXXX and XXXX XXXX has lowered my credit score and sabotaged my credit POWER as an consumer.
Product: Debt collection

I recently reviewed my credit report and noticed a collection that I dont know about is reporting. Colombia Debt Recovery for {$4700.00}. 

I never received anything to say I owe this debt. 


They never supplied me with copies of any contract or agreement signed that I had with this company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), they did not supply me with any of the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
I want them to stop reporting this immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute Experians failure to investigate inaccuracies on my credit report, despite my repeated attempts to have these errors corrected. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation into disputed items. However, they have failed to fulfill this obligation in my case. 

I previously submitted a dispute regarding inaccurate late payments appearing on my credit report. Instead of properly investigating my claim, Experian either failed to provide adequate documentation supporting the accuracy of these entries or did not investigate at all. This negligence is a direct violation of my consumer rights under the FCRA. 

Given Experians failure to comply with federal law and properly verify the disputed late payments, I am formally requesting the immediate removal of all late payment entries associated with this dispute. I have attached supporting documents, including copies of my prior dispute letters, any responses ( if applicable ), and relevant account records that further substantiate my claim. 

I request that the CFPB take appropriate action to ensure Experian upholds its legal responsibilities. Please provide me with an update regarding this complaint and any steps being taken to hold Experian accountable for their failure to investigate.