23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received your letter dated XX/XX/XXXX and a random statement that shows another amount that further shows the illegitimate nature of the information given from your office. There was also no mention of how you will address the complaint of your office violating the FDCPA in contacting multiple times and giving my personal information to persons other than myself. 
I have NOT received a validation response to my request for verification of the debt. You have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 U.S.C. 1692g ( a ) the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects the interest, fees, payments, and credits from a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me as requested in my previous letter. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR, VERIFICATION OF THE DEBT WITH ORIGINAL CONTRACT FROM THE ORIGINAL CREDITOR WITH MY SIGNATURE, AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE DEBT ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR, PLEASE INCLUDE THE ORIGINAL PURCHASE AGREEMENT THAT SHOWS YOU ARE THE OWNER OF THIS ALLEGED DEBT, ALSO INCLUDE THE TERMS AND CONDITIONS THAT ARE INCLUDED IN THIS PURCHASE AGREEMENT. 

PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX Circuit XX/XX/XXXX ) and XXXX U.S.C. XXXX ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt and the debt amount. 
Please do not look at my credit report or report anything to my credit. I dispute I owe this debt to you and that dispute should be stated on my credit report if you have already reported this debt. Do not contact my credit report. I am also requesting that any and all further communication be done via certified mail to insure that I receive any correspondence timely. 

Please State why you have a permissible purpose to contact my credit. Please note that I dispute this debt. 

Thank you for your immediate cooperation.
Product: Debt collection

" his debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Checking or savings account

My husband and I was in the process of buying a home. Two dates were set for closing and we did not close due to paperwork being submitted on the supposedly closing day by the loan office XXXX XXXX at Bancorpsouth. In the process she did a hard inquiry on my credit.I asked and she XXXX XXXX it was a mistake.She advised me to make a payment on my credit so she can do a quick turn around on my score.my score went from a XXXX to XXXX. We never closed on the 2nd closing date. ( XX/XX/XXXX ) I never received a call, text, nor email that day. I called, text, and reached out to her manager XXXX XXXX and informed him on what was going on. He assured me he would call me back and I havent heard from him since. She emailed and said she will call but never did. I called her only to find out we still wasnt closing and she flipped the loan and I had to pay more for closing with down payment assistance. Our last day in our recent home XXXX of XXXX Now we are currently living in a hotel. I asked her when I finally spoke to her and she still couldnt give me a date to close. I backed out. Now Im currently looking for a home for my family.this has been emotionally draining. Today, the bank charged me a XXXX appraisal fee and we dont have a home because of her mistakes. Can someone please help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a review of my Experian credit report, I determined that said report contained an XXXX/XXXX credit card that was closed over 10 years ago. I initially disputed the account as antiquated to no result. Not only did Experian ignore my dispute, XXXX did as well. They simply failed to respond. 

XXXX/XXXX - under account number XXXX - should not remain on my credit profile as any and all negative activity far exceed the seven year retention period as allowed under the Fair Credit Reporting Act.
Product: Debt collection

I was contacted on the telephone by an agent from National Credit Adjusters in XX/XX/XXXX. They said they were trying to collect on a debt that was overdue for over a year. I never received any information and was told that it was because they must not have a current address to explain why I had n't received mail and that they had tracked down my phone number. I asked for details and they claim it was from a cashed check at XXXX XXXX. The bank account she referenced has been closed for over a decade and the address referenced was also over a decade old. I asked for written details and gave them my current address. She explained that I would need to file a fraud report in order to not be liable. In the process of trying to collect additional information required to file a report with the police, I pulled my credit report from all XXXX agencies only to discover that this debt in collection does n't appear on any reports. I went online to research the company and discovered that there were quite a few complaints against the company for similar incidents. I believe they are trying to collect on a fictitious debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV isnt license to collect on debts in the state of California. They are illegally trying to collect on a debt. I provided documentation to prove that. Remove account from XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Case # CFPB XXXX-XXXX FCRA Charge off Rules require accounts to be delinquent for 180 before charge-off. As per XXXX XXXX, " Once the account is sold no more activity is reported to the CRAs. So why does Experian have activity after XX/XX/XXXX on my credit file? 

This is what CFPB XXXX-XXXX  is reporting : XX/XX/XXXX ( no payment ) DOFD Charged off : XX/XX/XXXX Account Sold : XX/XX/XXXX ( XXXX ) Experian continues to report this account AFTER IT WAS SOLD to XXXX on XX/XX/XXXX from XX/XX/XXXX through XX/XX/XXXX as per Case # CFPB XXXX-XXXX ) experian continued to report this account. 
SEE ATTACHED EXPERIAN DIAGRAM. 

THE CREDIT LIMIT WAS ONLY : {$600.00} - YET THE DEBT is being reported opened as of XX/XX/XXXX, balance $ XXXX.by XXXX. ( SEE ATTACHED ) This report is in violation of the FCRA 's Furnisher Rule :
Product: Checking or savings account

I have been trying to link a bank account to my American Express savings account for about XXXX weeks now and I have been receiving the same error message saying " American Express is experiencing temporary difficulties and we are unable to complete your request at the moment. '' I tried to link a bank account to my savings account with American Express on XXXX and XXXXXXXX XXXX browsers, I tried it on XXXX different devices and also cleared my cache on both devices but I am still experiencing this issue. This is preventing me from linking a bank and utilizing the services American Express told me I can use with this high yield savings account.
Product: Payday loan, title loan, or personal loan

Was contacted by mail regarding what was advertised as a personal loan earlier in XXXX, so I decided to contact them about consolidating some of my credit card debt. After going through their application process a sales person contacted me mid XXXX. The sales person wouldnt tell me the APR of the loan I was approved for until I pressed them for it TWICE! They kept talking about the monthly interest rate of 1.7 % before eventually revealing the actual 19.99 % APR. Then, they mentioned that theyd be setting me up as a sole proprietorship so they could get me a business loan to pay off my credit card debt. ( Note that the emails I attached say 14.99 %, but the original rate they quoted was 19.99 %, and the first email shows the emphasis on this mythical monthly interest rate XXXX. 

After I hung up on the XXXX salesperson, a few days later on the XXXX they were magically able to get my interest rate down to 13.99 %, which tells me they were price gouging me, and also they knew I was just going to payoff debt and didnt need $ XXXX, but kept pushing that anyway.
Product: Credit card

Contacted by XXXX XXXX stating they can help me get 0 % balance transfer for 12 months and if I pay on time they would continue to renew the 0 % every 12 months until I paid off the credit card. I ask them to put it in writing on company or credit card letterhead. Instead they sent me an Email, and when I call them back and told them this was unacceptable, they started the process without my approval. Capital One issued a credit card and stated the balance transfers were for 3 months only. I was not aware that the company applied for the card and I decided not to activate the credit card. I contacted Capital One to get an understanding and concluded they could care less. They became disrespectful, so I told them that I did not want the card, please clear the credit information on my credit report, and they told me that they will report it as a closed account ( which will lower your credit score ) even though the account was never activated. This is wrong, but they did not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX, {$340.00}. this is the action taken. I MOVED TO MARYLAND IN XXXX AND HAVE NOT BEEN BACK TO ALABAMA. This just pop up on my credit report. I do know that XXXX XXXX who lives at XXXX XXXX XXXX, XXXX Alabama have done Identity theft in my name using information she broke in my home in XXXX and stole my personal papers. I had to do a police report in XXXX for XXXX XXXX XXXX for cable and TV IDENTITY THEFT. This collection on my credit report just POP UP from space and if not corrected will remand on my report for 7 years due to no fault of my own I have been using XXXX FOR XXXX, XXXX FOR WATER, AND XXXX  GAS every since I moved to Maryland in XXXX and i have been provided service from theses companies without no interruption. I paid and cancelled all services in XXXX and have not been back since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX  Account # XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with XXXX  and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Product: Mortgage

COPY OF LETTER SENT VIA FED EX TODAY TO CFPB & US BANK To All It May Concern, Attorney XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX formerly known as XXXX XXXX represents XXXX XXXX regarding the above referenced loan and foreclosure case number XXXX XXXX XXXX, FL. 

This letter shall serve as our 3rd Complaint to Consumer Financial Protection Bureau Regarding this Loan. 

Our client was approved for a Trial Plan on XX/XX/XXXX. ( See attached ) Our client has made the ( 3 ) three trial plan payments in addition to ( 5 ) more payments and complied will all requirements in order to receive a Final Loan Modification. ( See Attached ) On XX/XX/XXXX we called US Bank and spoke to an agent named XXXX ID # XXXX and she advised that she could not provide me a date nor a time frame when we would receive the Final Loan Modification for our client. 

On XX/XX/XXXX we called US Bank and spoke to an agent named Angelic ID # XXXX and she advised that she could not provide me a date nor a time frame when we would receive the Final Loan Modification for our client. All she could say is that the Final Loan Modification is being generated. 

We Urgently request a Final Loan Modification be issued regarding the loan as this matter and foreclosure case is being prolonged with no cause. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Managing Partner
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice a problem with false information being reported on my credit profile. 
I wrote dispute letters to XXXX, Equifax, and XXXX. Asking them to investigate the following account and validate the collection account XXXX XXXX. On XXXX. Its has been over 60 days with no update, I sent out a 30 day demand to comply request / letter on XXXX by certified mail. 
XXXX received the letter on XXXX at XXXX, Tracking # - XXXX Equifax received the letter on XXXX at XXXX, Tracking # - XXXX XXXX received the letter on XXXX at XXXX Tracking # - XXXX Per XXXX they removed the account. I followed up with Equifax on XXXX they confirmed they removed the account confirmation # XXXX. I called Equifax on XXXX to request proof of deletion, I explained to them I still have yet to receive anything from them verifying the account or investigation results. I was disconnected on three times no one has yet provided an update as to what was going on, and explain why Equifax is still reporting false information on my credit report. XXXX is also claiming they never received anything. I also sent XXXXXXXX XXXX  a debt validation request it has been over 30 days I still did not receive anything from them. Letter was sent on XXXX by certified mail they received it on XXXX at XXXX Tracking # - XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issues related to my credit report. Despite several attempts to correct a late open account and remove late closed and charged-off accounts, these discrepancies remain on my credit report, causing significant financial harm and distress. 

I would like to provide a brief overview of my efforts to address this matter : I first became aware of the late open account, late closed accounts, and charged-off accounts on my credit report. Immediately, I took steps to contact the respective creditors, and I submitted disputes to the credit reporting agencies to rectify these inaccuracies. 

Subsequently, I have made several attempts to dispute these inaccuracies with the credit reporting agencies, providing all the necessary documentation to support my claims, and I have been in continuous communication with the creditors involved. 

Despite my commitment to resolving this matter, these inaccuracies remain on my credit report and have not been adequately addressed by the credit reporting agencies or the creditors. 

These unresolved credit report issues have caused me significant stress and financial hardship. As a responsible and diligent consumer, I expect that the credit reporting system operates with accuracy and fairness, reflecting my true financial standing. 

I kindly request that you take immediate action to thoroughly investigate and correct the late open account and remove the inaccurate late closed and charged-off accounts from my credit report. I also request a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove or to correct the accounts : 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: Student loan

I XXXX  from XXXX XXXX in XXXX. My student loans were serviced by XXXX. I struggle to pay for my student loans and every time i called i was placed in forbearance. since XXXX I filed bankruptcy in XXXX, had my tax refund withheld because I was so behind in payments and today still owe over XXXX in loans. I finally refinanced my loan privately two years ago so I wouldn't have to deal with them any longer. Of course right after i refinanced then the pause on student loans was enacted and the ability to apply for student loan forgiveness was implemented which know i do not qualify for. I have worked in XXXX  at a XXXX XXXX  for the last XXXX years. I am trying to get information from XXXX about the XXXX Settlement to see if i qualify or what can be done. I call XXXX and they say they aren't handling that and have no information for me and hung up. I went to the website XXXX XXXX XXXXXXXX where it states people entitled will receive a post card in XXXX. well I didn't get it or if i did it was thrown away by accident. They list a phone number XXXX but when you call it, it doesn't give you an option to speak with anyone, just states what's listed on the FAQ page and hangs up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to get the account removed from my credit profile after learning of the class action settlement. There was a 33 state predatory lending class action settlement against Santander Consumer USA where Santander agreed to relieve loans and help repair the people credit affected by there actions. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within days of receipt of this complaint.
Product: Vehicle loan or lease

I am reaching out to you regarding an incident which occurred at our residence on XX/XX/XXXX with Ford Motor Company who hired their enforcers to repossess our vehicle. Ford Motor Companys contractors refused to wear a mask & ignoring our repeated pleads not to come close to us during a pandemic. 

Not only did the Ford Motor Companys enforcers ignore our request to either wear a mask and or stay at safe distance from us. One of the enforcers who was a self proclaimed XXXX, repeatedly XXXX  our friend who recently recovered from a XXXX XXXX. 

We have repeatedly attempted to purchase the wrongfully repossessed vehicle since XX/XX/XXXX. We have made numerous calls directly to Ford Motor Company and many attempts chasing down the dealership having to visit the dealership 3 times, in order to complete the purchase of the vehicle. 

I have enclosed video which shows based upon Ford Motor Companys own billing statements we were current and acknowledged our most recent payment on XX/XX/XXXX. 

Please see the enclosed link to the video XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with In accordance with the Fair Credit Reporting Act the Lender XXXX  XXXX XXXX, has violated my rights. After disputing the late payments with XXXX  XXXX XXXX their investigation concluded that the 3 credit bureaus ( XXXX, XXXX, Equifax ) are the only ones that need to remove late payments not their mortgage company. They simply said they can't do anything to change the late payments being reflected. Under the CARES ACT during my forbearance period late payments and negative remarks are not supposed to be reported as late payments they should be reported differently so they won't affect my credit history. 

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

I am distressed that the reporting agencies are reporting false information. I have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Also On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my XXXX XXXX and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Product: Credit card

Just opened and used this card for a few months when they requested all this info to prove my identity after going to the bank and providing all statements WITH a notary also stamping and signing I then sent it back to them- I followed up with them and I was told by a rep that the dates of statements were missing at the top and I needed to fill out and send it back again - so I did, I specifically asked if it needed to be renotarized am I was told no it did not. So I again did what I was told to do, in full compliance of all that was asked. I waited a week or so and was told by a supervisor that the previous operator had been wrong and it DID need to be re-notarized! ( Which I would have done! ) and was told by the supervisor that she went back and listened to all my calls and DID hear the operator give me the wrong info, and that my only chance was to write a letter of appeal to the higher department- I did that as well! I received no response from them and my account is still closed! I was singled out for some reason and purposely closed - perhaps they realized I was XXXX and worried I couldnt pay my bill? Which I am still paying.