23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I had no choice but to close my sale and loan to avoid foreclosure. I am not going to give up on my complaint to Real Time Resolution. As you can see in my prior letter they would not work with me when there are so many mortgage companies that have to work with borrowers when they are unemployed and can not find employment and as of today I am still unemployed and living on the street out of boxes. Again I was willing to pay them the principal balance of {$140000.00} and they would not budge so I am requesting that they pay me back the interest and all fees that were included on the final payoff. If they would have sent me a letter that they are the new 2nd TD holder I would have paid them and they never sent me anything as well as monthly payment coupons. Please help me get my money so that I no longer have to live on the streets and die of starvation and possibly be harmed. I sent you another letter by mistake and didnt realize that this is where I was supposed to re send a new letter. My phone number is XXXX XXXX XXXX and my email is XXXX Thank you and I look forward to be hearing back from you , XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX.account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX 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 XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX BANK # XXXX XXXX XXXX XXXX # XXXX, CAPITAL XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, L XXXX XXXX, XXXX XXXX XXXX, L 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX Account # XXXX, illegally reported a " charge-off '' to my consumer report. Charge-offs pursuant to the Internal Revenue Service , are " cancelled debt income '' which are typically reported on a XXXX or XXXX cancellation of debt. Those instruments constitutes certificates of indebtedness which is income and income CAN'T be reported on a consumer 's report. 

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given XXXX XXXXXXXX XXXX  whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Pursuant to : 15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : 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

To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I filing a formal complaint against [ XXXX, Experian, and/or XXXX ] for failing to conduct a proper and reasonable investigation into my credit disputes, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite providing supporting documentation, the credit bureaus have erroneously verified inaccurate information as valid, violating my rights under federal law. I disputed the following inaccurate information on my credit report : Incorrect Account Balances Certain accounts reflect incorrect amounts that do not match my records. Wrong Date Opened Accounts show incorrect opening dates, impacting my credit history. Personal Information Errors My report contains inaccurate personal details that I requested to be corrected. Charged-Off Accounts Some accounts were improperly reported as charged off. Closed Accounts Accounts that I previously closed are still being reported as open, which affects my credit utilization. Each of the credit bureaus responded by stating that the disputed information was verified as accurate, but they failed to provide documentation proving their claim. Their response does not align with the requirements of the FCRA, which mandates a fair and reasonable reinvestigation process. 

Legal Violations 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Reinvestigation The credit bureaus are required to conduct a reasonable reinvestigation of disputed information. Their failure to adequately verify the accuracy of the information and their blanket response that my disputes were valid violates this provision.

15 U.S.C. 1681e ( b ) Duty to Maintain Accurate Information The credit bureaus must ensure that all information in a consumers file is accurate. By continuing to report incorrect account balances, dates, and personal information after I provided supporting evidence, they have failed this obligation.

15 U.S.C. 1681i ( a ) ( 5 ) Failure to Correct or Delete Inaccurate Information If a disputed item can not be properly verified, it must be removed or corrected. Since the credit bureaus have not provided proof supporting their verification, they are in violation of this requirement.

2. Fair Debt Collection Practices Act ( FDCPA ) Violations ( If Related to Debt Collections ) 15 U.S.C. 1692e False or Misleading Representations If debt collectors furnished incorrect information to the credit bureaus or failed to verify disputed debts, this constitutes a violation of the FDCPA.

15 U.S.C. 1692g ( b ) Failure to Validate a Debt Debt collectors are required to verify the validity of a debt upon dispute. If they failed to provide proper validation and the credit bureaus continued reporting the disputed accounts, this is a violation of consumer protection laws.
Product: Debt collection

A complaint was previously filed however, " AD ASTRA '' has failed to comply with FDCPA violations, which have not been adequately addressed in their " reply '' to the initial complaint. 1 ) They failed to provide me notice of how to dispute this or validate this " account '' when they acquired it. 2 ) After I  mailed two separate correspondences to request validation, they failed to respond to either or send the requested documentation. I specifically asked for documents showing an original loan amount with a break down if fees, interests, and payments, so I could determine if this amount claimed owed is not only owed, but reflects an accurate amount. 3 ) After failing to respond in written correspondence and provide that information, they replied to the initial complaint however, this was n't all the information I needed, and I did n't receive amt documentation requested. 4 ) After they failed to provide information to verify everything requested, they also ignored a written request to cease and desist collection due to failure to comply with FDCPA regulations and continued to try collect on this corresponding only in the " company reply '' to the complaint, I provided my contact information months ago, and have not received the requested documentation or satisfactory reply. The original creditor has provided documentation in response to the initial complaint however, AD ASTRA has failed to provide documentation of what they are attempting to collect and reporting, which was different from what the creditor sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries are Fraud not Authorized are XXXX. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX  XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ... EQUIFAX ARE. XXXX   XXXX target dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX also XXXX XXXX  XXXX XX/XX/XXXX also XXXX  XXXX  XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX   XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I called my credit card company to inquire about why my cash advance balance has grown while I have been paying off interest plus principle religiously for the past few years. What they said they are doing is, at the end of my statement period, they are assessing interest. Then, they set a minimum payment with a little bit of premium. They take my payment and apply the little bit of principle to the higher interest rate. Then, they take the remaining amount paid and instead of applying it to interest, they apply it to the lower balance and, at the same time, add that amount to the cash advance balance. 

The result is that the cash advance balance accrues and will continue to do so, eventually resulting in the entire balance being assess the often much higher interest rate. 

After speaking to multiple representatives at my bank, consulting with the consumer credit card act and reading my credit card agreement, this process continues to be very confusing. In one conversation this afternoon, at approximate XXXX XXXX EST, I spoke with a representative at Capital One who assured me that my cash advance balance was " not '' growing. Then, after some additional discussion, she pulled up the amount of the original cash advance, {$320.00}. 

Despite making payments over the past 3 years since that small cash advance in XXXX, my cash advance balance - or in other words the amount being charged the higher interest rate - is now {$1400.00} and is seeing a higher interest rate of 22.9 %. 

The small amount of principle is offset by the increase in the cash advance balance. 

I am certain the consumer protection laws was written with the intent that payments would be applied to the " higher '' interest rate balances first but it seems the credit card companies have created a work around that is actually resulting in a situation that is worse for the consumer. I am not sure if this is worse than when the law went into affect but this is probably not the result the drafters of the law intended. 

I feel additional legislation needs to be enacted that would require credit card companies to apply the amount paid to the interest and higher rate principle, not surreptitiously add the amount on to the cash advance balance.
Product: Debt collection

A company by the name of Vance and HUFFMAN , LLC contacted my family by phone and never sent me any correspondence personally to my current address on file and informed me that I owed {$300.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and Im placing a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing my family about this account for weeks, but havent reached out to me personally. I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of XXXX XXXX but I've reached out to XXXX XXXX countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.They are contacting family members and using aggressive language and verbiage they never reached out to me by mail. Im seeking debt validation
Product: Debt collection

In XX/XX/year>, I was sued, but I did not become aware of it until I performed a random search of my name on XXXX case search software on XX/XX/year>. It was then that I discovered I had a scheduled hearing on XX/XX/year>, despite never having been served. I decided to attend the hearing to resolve the matter, but the other party was unprepared. Nevertheless, I agreed to pay {$3000.00} by the end of XX/XX/year>. 

In XXXX, I experienced a financial crisis and asked if I could settle the debt with a {$500.00} payment, which they declined. Instead, they threatened to inform the court that I had no intention of paying the original {$3000.00}. On XX/XX/year>, I submitted an online payment of {$3000.00} through my XXXX checking account. Although I received an immediate confirmation on their website, the funds remained in my account for several days. I called on XX/XX/year>, to confirm the payment, only to be told that they were not processing it because they do not accept " XXXX XXXX  '' I was not informed of this policy for XXXX days, despite their website only stating that debit and credit cards are not accepted. 

They agreed to accept my {$3000.00} if I paid by XX/XX/year>, which forced me to find an alternative payment method at the last minute without prior notice. I obtained money orders as a solution, but when I returned home, I received a letter from the debt collector, dated XX/XX/year>, stating that they would not accept my payment. They claimed that I was no longer in compliance with the previous arrangement. Despite my efforts to meet the payment terms, they are refusing to accept my payment and are attempting to make it appear as though I am intentionally defaulting on the agreement.
Product: Credit card or prepaid card

My account was closed with XXXX XXXX, one XXXX XXXX and one XXXX. I did n't have a balance on either. When I called XXXX XXXX, because it was first, I was told because I do n't use my card. The representative explained to me 92,000 cards were closed for the same reason. WOW! XXXX, had the same response. The letter stated serious delinquency, however upon review of my credit report nothing has been paid late. I am being punished for choosing not to carry a balance, for being wise about my spending habits, for having an open line of credit, and not giving the bank money in interest.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/XXXX Complaint Department TransUnion Consumer Relations XXXX XXXX XXXX, PA XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, XXXX I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 
These above accounts are been rehabilitated according to the department of education Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the department of education. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the department of education the above duplicate accounts listed ( XXXX ) should be removed. The department of education further reports that credit bureaus should contact the department of education while these items was disputed. While the credit bureaus never contacted the department of education, provided me the letter as evidence mail to Experian.com. according to the department of education these items should be removed. 
Furthermore Account Number : XXXX .... Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. 
I am requesting that XXXX have the item ( s ) removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my U.S passport and driving lic, as evidence that I have XXXX single name. supporting my position. Please reinvestigate this [ these ] matter [ s ] and contact the national credit reporting companies to which you provided this information to have them deleted the disputed item [ s ] as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

XXXX, Transuion and XXXX are all All three credit bureaus are inaccurately reporting false information on my credit report, which is negatively impacting my life and significantly affecting my creditworthiness. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists All accounts needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan out from Bridgecrest through XXXX. I have late payments on my credit report from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. Also I have late payments from XXXX, XXXX and XXXX of XXXX. This was due to XXXX XXXX and me getting laid off from work and Massachusetts being so far behind on paying in employment. I contacted Bridgecrest to get them deleted off my report because of XXXX XXXX and they will not. I still have my vehicle loan through them and pay it on time every month. These late payments are really holding me and my credit back and I would like them deleted.
Product: Credit reporting or other personal consumer reports

**Complaint Regarding Unauthorized Credit Card and Erroneous Reporting** To Whom It May Concern, I am writing to formally dispute the existence of an alleged credit card account under my name with Discover Credit Card, which I was first made aware of in XX/XX/year>. According to the records unjustly associated with my name, this account has been marked as delinquent, an error that has unjustifiably tarnished my credit report. 

**Details of the Dispute : ** 1. **Allegation of Existing Account** : In XX/XX/year>, it was brought to my attention that there was a credit card account opened under my name with Discover. I unequivocally assert that I have never authorized the opening of this account, nor have I engaged in any contractual agreements with Discover for such a financial product. 

2. **Request for Proof Ignored** : Upon discovering this discrepancy, I immediately contacted Discover requesting proof of the credit card agreement and any signatures or evidence supporting my alleged consent or involvement. To date, Discover has failed to provide any such documentation, thereby not substantiating the existence of this purported account. 

XXXX. **Erroneous Credit Reporting** : Furthermore, this non-consensual account has been reported as " late '' on my credit report as of XX/XX/year>. $ XXXX his incorrect reporting has adversely affected my credit score and has had significant negative implications on my financial standing and reputation. 

**Actions Taken : ** - I have repeatedly contacted Discover 's customer service to rectify this situation, requesting the necessary proof of the alleged account and its associated transactions. 
- I have also demanded the immediate removal of this account from my credit report due to the lack of evidence supporting any authorized engagement on my part. 

**Resolution Sought : ** - I urgently request a formal investigation into this matter, with the expectation that Discover will provide all relevant documentation evidencing the alleged consent on my part for this account. 
- I insist on a complete removal of this account from my credit history, including any negative remarks related to supposed late payments. 
- I seek confirmation in writing from Discover acknowledging the closure of this matter and the correction of all erroneous information transmitted to credit reporting agencies. 

I trust that you will address this serious issue with the urgency and diligence it warrants. Please contact me at your earliest convenience to confirm the receipt of this complaint and to update me on the progress of your investigation.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Debt collection

Hello! 

Recently, XX/XX/XXXX, I had an account known as TAB services out of XXXX OK, try to collect a debt that I have no connection to from the year XXXX. I have never been affiliated to anything debt related outside of XXXX, MO. I have tried to dispute the debt, but they claim the information is accurate.
Product: Credit reporting or other personal consumer reports

I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT DUE TO A EQUIFAX DATA BREACH
Product: Checking or savings account

I recently traded in my old car for a new one getting the difference from the dealership company to take home. After depositing my check online, it was on hold 11 days. And after the 11 days my account is restricted and cant access the funds because Chase cant verify the check.