23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I see that the same account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the incorrect account that needs to be reinvestigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be in accurate under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerned the individual about whom the report relates, This account was charged off XXXX XXXX since then, the account has been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. They have failed to investigate this account properly and the neglect has violated my rights. I am demanding a deletion of the account.

15 U.S. code 1681i ( 5 ) treatment up in accurate or unverifiable information in general, if after any reinvestigation under paragraph one of any information disputed by a consumer and item of the information is found to be in accurate or incomplete, or can not be verified the consumer reporting agency, XXXX promptly delete the item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my report immediately. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Shellpoint Mortage It reflects 60-days late on my credit report for account # XXXX. I have attached a copy of the deferment letter. My loan has been in deferment from XXXX XXXX XXXX, I was informd that while my loan was deferment and they was trying to work out a mortage plan for me to keep my home, my credit score would not be affected, and they would not report my payments as late. But inside they did to all credit bureaus. 


XXXX XXXX XXXX deferment it reflect 90-days late on my credit report account # XXXX I have attached a copy of the deferment letter. My loan was defermened and they was trying to work out a mortage plan for me to keep my home, credit score would not be affected, and they would not report any negative action to the credit bureau. XXXX XXXX XXXX
Product: Debt collection

A cease and desist letter has been sent to this company due their ongoing harassment. They claim they never received the letter. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from me. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices. I plan on filing a civil suit against this company for harassment and all the credit reporting agencies that report this inaccurate information because I have asked that this information be remove from my credit report as soon as possible. As it states on the attached pictures from Credit Karma XXXX XXXX XXXX, is said to be the original creditor but on my actual report from XXXX and XXXX the original creditor is in fact XXXX XXXX XXXX. Which in that case I did not enter into a contract with XXXX XXXX XXXXM nor did I sign a legal binding document with this agency. So I am not responsible for this debt that they claim is mine nor are they allowed to have the debt reported or collect on such debt.
Product: Debt collection

I am writing to formally dispute the validity of the debt you have reported on my credit report in reference to Account Number XXXX. This letter serves as a request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and also notifies you of your violations under 15 U.S.C. 1692c ( c ), 18 U.S.C. 894, and the Fair Credit Reporting Act ( FCRA ).

Fraudulent Reporting and Debt Validation It has come to my attention that Portfolio Recovery Associates is reporting fraudulent and inaccurate information regarding the above-referenced account on my credit report, which has caused me to be denied credit. As required by law, I demand that you : 1. Provide a full validation of this alleged debt, including an itemized breakdown of the amount owed. 


XXXX. Supply documentation proving the assignment contract or purchase agreement that confirms your full ownership and right to collect on this alleged account. 


XXXX. Include all original documents related to this debt, such as the original signed agreement or contract. 



Cease and Desist Violations I previously sent you a cease-and-desist letter regarding this matter. Despite this, you have continued to violate my rights by contacting me multiple times per day and night through spam calls and other means. These actions are in direct violation of 15 U.S.C. 1692c ( c ) and constitute harassment under 18 U.S.C. 894.

Request for Licensing Information Additionally, I demand that you provide proof of your license to collect debt in the state of Georgia. Failure to comply with state licensing laws further undermines the legality of your collection practices. 

Invoice for Violations Your continuous violations of my rights under the FCRA and FDCPA have caused unnecessary distress and financial harm. Therefore, I am invoicing Portfolio Recovery Associates {$1000.00} as compensation for these violations. 

Legal Precedents and Deadline In accordance with relevant legal precedents, including XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ) and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), you are obligated to provide accurate and substantiated information when reporting debts and must cease unlawful practices immediately. 

You are hereby notified that you have 15 days from the date of this letter to respond and provide the requested documentation and payment of the {$1000.00}. Failure to respond adequately within this timeframe will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), and pursuing remedies through the courts. 

Please direct all correspondence regarding this matter to my address listed below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

I am a first time home buyer and on XX/XX/19 I was approved for a conventional loan by Quicken Loans by a representative named XXXX XXXX. I was told that a conventional loan was my best option because the houses I was looking at were in less than perfect condition. I found a home to purchase. This home was owned my HUD and my closing date for the home that I found was supposed to be on XX/XX/19, But I was unable to close on my property due to the fact that Quicken denied funding towards my property. They based their decision on the condition of the house. They said that repairs needed to be done before I moved in. I was told and it was also written by the appraiser that there was " Structural Damage '' to the house when in fact there was nothing Structurally wrong with the property because if there was then that would have been told to me by the home inspector. Due to the fact that the home was owned by HUD I was not allowed to enter the property to fix or repair anything because the home was sold " As Is ''. My real estate agent and I did every thing possible to help satisfy Quicken, we even offered an escrow hold back that would guarantee the work done once closed and they still denied that offer. I was denied at every level by Quicken, my complaint even went to the underwriters and they still denied me. At this point we had to look for new funding and in addition file an extension with HUD for an additional 45 days in order to find funding and still retain the property. During the process of finding another lender I spoke with a different lender and they said that they cant see how I even qualified for a conventional loan in the first place. When the next lender read over my loan application and estimate from quicken he said that the numbers didnt make sense and that I was being charged {$5000.00} to pay down points on my rate which I was not told my the quicken rep. At this point my 45 extension was denied by HUD they said they would only extend up to 15 day and because I had no funding at this time I had to forfeit the property and I lost my {$500.00} deposit to quicken and my {$400.00} deposit for the Home inspection and I had to fight and jump through hoops to receive my earnest deposit back from HUD. This whole process has been a nightmare to me, my family, and my real estate agent. I feel like I was WRONGFULLY denied because my loan was based upon the appraisal value of the house and not the condition. The house was being sold for XXXX and had and appraisal value of XXXX the house was not in great condition but it was " Liveable ''. Quicken loans has severely harmed me and my family and I would like action to be taken against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to put a credit freeze with Equifax multiple times onXX/XX/XXXX and then tried again on XXXX/XXXX/XXXX. I started the process both on the website and on the phone line. Each time I get an error says the system is down. 

I was able to place a credit freeze with the other agencies ( XXXX, XXXX, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Synchrony Bank twice and negotiated a settlement for a balance owed on an old Amazon card account as well as JC Pennys. I fell on hard time, became XXXX   and lost my job. As soon as I received a new position, I took care of the debt. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.
Product: Debt collection

Received a notice of debt due in a letter dated XX/XX/XXXX. The debt results from a lease that terminated on XX/XX/XXXX, there was no early termination of said lease as claimed by the creditor. 
On XX/XX/XXXX, I received notification regarding my ability to renew my lease. XX/XX/XXXX within the 60-day period, I requested that my lease be renewed for a period of 10 months. On XX/XX/XXXX, I received a notice of eviction. 
On XX/XX/XXXX, I went before the Justice of the peace court in Texas regarding the eviction. The judge ruled against the creditor and we agreed that I would vacate the property on or before termination date of my lease. On XX/XX/XXXX, I delivered a letter to the creditor that described the terms of our agreement regarding the termination of my lease and my vacating the premises. 
On XX/XX/XXXX, the creditor served me with another notice of eviction. I moved out of the property in question on XX/XX/XXXX. The creditor is accessing me an early termination fee and various other charges under the lease which terminated on XX/XX/XXXX. I have disputed the validity of these charges by certified mail on XX/XX/XXXX and XX/XX/XXXX with the collection agency and the creditor. 
I have requested by certified mail on XX/XX/XXXX and XX/XX/XXXX copies of documentation, including a copy of my lease, to date, I have only been provided a copy of my lease and not other documentation which could potentially resolve this matter. 
On XX/XX/XXXX, I received notification that the amounts in dispute were being filed with the national credit bureaus and shown as " disputed ''. 
On XX/XX/XXXX, I receive notification that my original complaint was closed to the Federal Trade Commission. The creditor claims that the lease was terminated early. Not such termination exists. The lease expired on XX/XX/XXXX and I was not provided with any opportunity to renew my lease as I stated in my notice dated XX/XX/XXXX. 
Further, the parties agreed in front the judge that I would vacate the premises on or before the expiration of my lease. I did so as we agreed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act specifically cash app fail to take time being effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected period furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for those violations.
Product: Credit card or prepaid card

Last year I attempted to set up automatic payments during a phone call with Capital One. Several months later it came to my attention that this did not happen and because of this Capital One has placed several extremely derogatory marks on my credit reports with all 3 bureaus. I have tried to rectify this with Capital One and even with taking some fault myself for not following up during a dark period in my life to make sure the expected minimums were being deducted Capital One has continually refused to make any type of compromise and offer the slightest goodwill adjustment in my favor. I have even provided my phone bill to the executive office team where a 9 minute call was highlighted that was when I recall activating a card and then transferring to customer service to set up these automatic payments. After several weeks of waiting not only does Capital One refuse to make any adjustments they also refuses to provide any transcript of the call to show that these 9 minutes were spent differently than I recall. Any assistance in reaching a compromise in this matter would be highly appreciated.
Product: Bank account or service

I have a checking account with Wells Fargo. I wrote checks to my cleaning lady and she deposited them electronically to her bank account. Subsequently, she walked into Wells Fargo and was permitted to cash the check ( for a second time ). This occurred on at least XXXX occasions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # ending in XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, These unknown items are not related to me. I have never ever signed any papers with these companies, or did something towards these accounts. Simply I do not know these accounts because they are not mine. Its a pure fraud. I am begging you to check my profile and these accounts and probably remove them as I am in a terrible life situation and I will not handle something like this anymore.
Product: Debt collection

They continue to call my phone several time a day, i have a due date and and also have a date to pay more if its late. But this company call after one day pass the due date not the late date and they call all day they also use several different Phone numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX. XXXX, XXXX XXXX XXXX reported a late payment to the credit bureau.XXXX XXXX  violated my rights Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et. seq., ( is amended to impose new reporting requirements on institutions that furnish credit information to credit reporting agencies ). 
this violation occurred by XXXX XXXX XXXX XXXX  reporting negative information to the credit bureau on a accommodated account that was in good standing to which the account was not late under above state cares act. 
XXXX XXXX XXXX XXXX  also violated, my rights under the FCRA Section 623 ( a ) ( 1 ) ( A ) by reporting incorrect and inaccurate information to the credit bureau. You are reporting {$0.00} balance and never late on my XXXX report with a {$8600.00} balance on my transunion report and never late. With a balance on my Experian report of {$8600.00}. The monthly payment is reporting differently on all the credit bureau as well. This information is all coming from your company so it should be reporting the same but its not therefore this information is inaccurate and incorrect,
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$10000.00} XXXX XXXX {$100.00} {$21000.00} XXXX XXXXXXXX XXXX {$11000.00} XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$1200.00}
Product: Debt collection

I have continually been asking for the following : I have requested Forward Flow Agreements, Proof of Debt Ownership and all information due to me as outlined by the FDCPA & FCRA ; including third party investigation results and full investigations pertaining to my credit under 15 USC 1681g ( full file disclosure ) and 15 USC 1681 e ( b ) ( maximum accuracy in reporting ). Et al. I demand to be able to review everything the Agency has to review pertaining to my credit report, as addresses are incorrect along with negative entries and credit pulls. 

I have received nothing useful except requests for more information from me that they should already have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Statute of limitations has expired. Collection is seven years old and should be removed from the report at this time.
Product: Student loan

In the year 2020, the department of education took my entire tax return. I was not aware that they could do this to me. The issue with them taking the whole tax return is that I was not notified that the entire return would be taken from me. I also would like to note that my late husband XXXX XXXX also had his name and his W2 's on the tax return. He did pass away but the student loan borrower also took his tax return to pay my student loan debt. I never received a letter or or notification that my tax return would have been taken from me. I also was not aware that the department of education could take my late husbands tax return where his name is present on the return. I believe that this amount should be returned to me and I am attaching copies of the tax return as proof that the taxable income with my late husbands name on it could be taken to pay my student loans. I was not aware that this was a legal practice that they could have taken my late husbands tax return from me. I was a grieving widow at the time and this really put a financial strain on me at the time.
Product: Credit reporting

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX XXXX XXXX. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. This was a Rental House with my Ex-husband in which we got a divorce and he lived in the place alone without me. I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Texas Finance Code section 392.101 a Debt Collection Company has 30 days to validate the debt. In my case my debt was partially validated in which makes XXXX XXXX XXXX unable to collect debt in Texas. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I asked XXXX XXXX XXXX to provide that information because I have the right as a consumer to know they have not provided the information in a timely matter. For that reason they should be removed from my credit report with your company if they ca n't provide the right information. I am providing the information that was sent to XXXX XXXX XXXX through USPS and CFPB alone with and audio that you can hear them violate my right by not providing the information that is supposed to be provided based on the Fair Debt Collection Practice Act, Texas Fair Debt Collection Practice Act, and Texas Finance Code Section 392.101.
Product: Debt collection

I am disputing a collection account reported by NCA ( National Credit Adjusters ) on my credit report. However, I do not recognize this debt, and NCA has not provided any information about the original creditor or type of debt. 

Account Opened : XX/XX/XXXX Balance : {$430.00} Reported as of : XX/XX/XXXX Status : Placed for collection I have disputed this debt with NCA and the credit bureaus, but they continue to report it without proper validation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request written verification of the debt, including : 1. The name of the original creditor 2. A full payment history and breakdown of how the amount was calculated 3. Proof that NCA has the legal right to collect this debt I formally requested this information from NCA, but they failed to provide proper validation and continue to report this account. This unverified debt is damaging my credit and financial standing.
Product: Mortgage

I have lived in my house since XX/XX/XXXX with no issues. Since XX/XX/XXXX, Shellpoint mortgage servicing has been charging me for insurance on the home which I have told them numerous times I already have insurance. I have called and emailed back and forth over 50 times in the last 14 months to no avail. I provided my homeowners insurance policy and the condo association insurance on the home but this has simply not been resolved. I have continued to make my regular mortgage payments before the XXXX of each month as agreed on my original mortgage contract but they keep claiming it is a partial payment until I pay the additional insurance which I have already purchased on my own. At first, they claimed the name was different and I provided proof of such, then they claimed not to receive my policy, so I emailed, faxed and had the insurance company fax, email and mail a copy of the insurance. At this point, 14months later, I simply do not know what else to do. Shellpoint is trying to bully me into purchasing an insurance I already have and incorrectly applying my mortgage payments in an attempt to foreclose on my home. I diligently make all my mortgage payments on time as I need a home for myself and my family. Please help. I am simply a small citizen going against a huge mortgage company that chooses to bully its mortgage holders. I have attached proof of communication as well as proof of insurance which they have a copy of as well.