23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am still having difficulty dealing with and securing information from Windham Professionals located at XXXX XXXX XXXX, XXXX, MA XXXX regarding a XXXX  credit card charge off. I have called Windham on several occasions to request information I am entitled to under both federal and state law with no success. This is my second complaint because the last answer received from Windham did not address my main concern in my first complaint : VERIFY THE DEBT AND PROVIDE AN ACCURATE BREAKDOWN OF THE AMOUNT THEY ARE SEEKING! They simply stated that hey have provided verifications they received from the debtor. I have received the following in the mail from Windham in my plethora of attempts to understand the amount they are seeking : 1. A billing statement from XX/XX/2019 2. A billing statement from XXXX of 2019 3. A billing statement from XX/XX/2019 These three random statements do not provide a breakdown of fees, interest, and principal balance ( or any other fees ). Windham has also NOT provided the credit card agreement, any documents that bear my signature, and other assistance I have requested. There is no way possible for me, the consumer, to breakdown the figure of {$3200.00} to determine the validity of the amount. 

I am requesting, once again, a complete and accurate breakdown of this amount. It is clearly apparent that Windham and their associates do not have this information in their possession. I am the individual consumer and I am at a huge disadvantage to solve this problem. 

I will be contacting U.S. Senator XXXX 's office in the morning to seek her assistance on this matter. Windham 's last response was farce. This glib response was not only tolerated by the CPFB, but the compliant was closed out? Unacceptable and shameful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I have been disputing and they tell me its verified as accurate but wont show me where I put my signature to authorize this account. This is clearly identity theft. This account is affecting my credit health tremendously. Attached is what the bureaus are reporting. I recently reached out and asked them why are they reporting names and addresses that arent mine and they deleted it but these accounts arent mine and it remain on Transunion and XXXX. The underserved has always been a victim of these fraudulent credit reporting practices I will pursue monetary relief as soon as I find legal representation. I have a copy of my past credit reports as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information 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 account ( 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 erroneous information that needs to be investigated and correct : TOYOTA MTR XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}
Product: Debt collection

I have a new number less that a week. Capital one keeps calling for someone else. I have advised them 5 x since last Thursday to stop calling as I do not know that person, this morning they called again, I once again advised them to stop calling..
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a car loan through XXXX XXXX in XXXX of XXXX. The car I had a loan for the transmission went bad within five months. I did a voluntary repossession on the vehicle in XX/XX/XXXX. I owed about {$3300.00} left on the loan. It shows on my credit report it was charged off in XX/XX/XXXX. However, XXXX XXXX has reported that I have 46 late payments and have charged me interest on the loan every monthly of {$79.00}. It states on my credit report that I now owe {$6200.00}. I have sent numerous of dispute letters every 6 months for last 3 years stating XXXX XXXX is reporting inaccurate information. The company then reports back to the credit bureaus that what they are reporting is true and correct. I then sent a demand letter to XXXX XXXX in XX/XX/XXXX, stating to correct the information they are reporting and please give me the correct amount I owe after the vehicle was fixed and then resold. The company has not yet responded. This is affecting me with trying to apply for a loan for a home, getting denied for a credit card through my credit union, etc. I need direction on what else can I do. Please help me.
Product: Debt collection

XX/XX/2018 its saying I opened an account under I C System not even sure what that is, however. Its showing here on my credit report {$420.00} is pst due but I havent opened anything my identity was stolen. Ive contacted them and tried to tell them. They deleted it then added it back.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was alarmed to find that I am a victim of identity theft. Several accounts on my report were not opened by me. I am deeply concerned that this inaccurate information is included in my credit profile and that your organization has not upheld reasonable procedures to ensure maximum accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate information, and every step must be taken to ensure the information reported is completely accurate and correct. 

I have already contacted the Federal Trade Commission and filed a complaint ( # XXXX ). I kindly request that you block and eliminate all fraudulent information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of these accounts within four business days of receipt. Specifically, please block and remove all information related to identity theft, including the following : 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 XXXX XXXX XXXX XXXX 

Additionally, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : The names and business addresses of each individual with whom you verified the information above, so that I can follow up, the date on which you contacted the individual information furnishers, and the method of communication used to verify the information.
Product: Mortgage

Residential Credit bought my mortgage from XXXX. I was trying to do a short sale with XXXX when the mortgage transferred. Residential Credit requested paperwork to start this process. I provided all the documents they requested and then they would need other documentation to continue the process for a short sale. This continued for 4-5 months until I was informed that the loan was being sold to XXXX. 
I do not believe that Residential Credit worked with me in good faith on this process. They appeared to intentionally stall or not act on the paperwork I uploaded to their website as they requested to complete this short sale. 
That had an appraisal done on the property which was not comparable to the property I am trying to sell. The appraisal completed for Residential Credit was overvalued and done on a property which has XXXX homes on the land. They used this appraisal to initially deny the short sale. I was told that if I desired to dispute this that I could submit an appraisal. I uploaded this appraisal to their website as directed and no action was taken for over 2 weeks when I was informed that I would also have to submit a separate request to evaluate the appraisal I had submitted. This pattern of delaying continued until the date that the loan was transferred. 
I have multiple offers for the property and have had to extend contract agreements because Residential Credit will not act on these offers.
Product: Mortgage

I have always paid my mortgage bi-weekly from the Bank of America checking account. I have never missed a payment. I set up the bi weekly auto pay so that in a year an extra principal payment gets made. Since XX/XX/XXXX Bank of America mortgage payment system has been inaccurate. 

Ive reported the concern from the very first time it was detected. The representatives said their payment system was updated which caused internal issues. They havent fixed the issue. Instead they sent me threatening foreclosure letters. 

Ive responded to that clarifying it is an error on their side. After further escalation to the XXXX they seemed to have finally assigned someone on the case. In late XX/XX/XXXX I assumed it was fixed but in XX/XX/XXXX I was again faced with late charges and fees. 

What Bank of America is doing is. They collect my bi weekly payments within the month but instead of applying as a payment it goes to a holding account where it collects money while Bank of America continues to threaten that I am late.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit file. These accounts were fraudulently added as a result of identity theft caused by a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be permanently removed from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$900.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX - XXXX - XX/XX/XXXX - {$28.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and fraudulent accounts have been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request the immediate blocking and deletion of the accounts listed below from my credit file.

Fraudulent Accounts : 1. Creditor Name : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been sending request since XXXX just to make sure that everything is properly documented like if they paid the taxes on the note or all documents were signed ... With no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I attempted to correct the last status of a student loan that was consolidated and paid off as of XX/XX/XXXX.  XXXX conducted their " investigation '' and updated my credit report incorrectly ... stating that I missed a payment as of XX/XX/XXXX. This account has been closed and paid in full as of XX/XX/XXXX, therefor I can not possibly have missed a payment in XX/XX/XXXX. Upon submitting a letter provided by the creditor ( New York State Higher Education Services Corporation ), XXXX  notified me that they could not use the letter in question to correct my credit report and that they would contact the creditor to verify again. Now, they are reporting the account to be in collections as of XX/XX/XXXX ... again, this account has been closed and paid in full as of XX/XX/XXXX ( over two years ago ) and a letter from the creditor was provided to XXXX that confirms this. XXXX is willfully not accepting the letter that the creditor provided, and their " investigations '' are not resolving the issue and have cost me 51 points on my FICO credit score. As a result of their willful misreporting of information on this account, I am forced to file this complaint.
Product: Checking or savings account

On XX/XX/2022, I attempted to deposit a personal check I received in the amount of {$2500.00} On XX/XX/2022, I was notified by USAA the check had been returned for insufficient funds and was assessed a returned check fee of {$5.00} Upon being notified by the drafter that funds had been moved to cover the check, I attempted to redeposit/present the check via the USAA mobile app. The app advised me that the check had already been deposited and could not be deposited " again '' via the mobile app. 

On XX/XX/2022, I spoke with a USAA representative regarding re-depositing the check. The representative assured me that, I was able to re-deposit the original check. Although the mobile app wouldn't allow it. I went to a USAA ATM machine in XXXX XXXXXXXX to redeposit the check. I would NOT have done this but for the advice of the USAA representative saying this was allowed. 

On XX/XX/2022, I received notice on the USAA website my deposit was being disallowed as a " duplicate deposit '' I have carefully reviewed the terms and conditions of the USAA Checking/Savings agreement. Nowhere does it say that a previously returned check can not be presented a second time ( merchants do this all the time ). 

I also am no longer in possession of the check. Had I known USAA would not allow the check to be presented a second time, I would have either asked the drafter to write another or go to another bank. I relied on the USAA associate 's guidance to my detriment. 

I understand the USAA business model is one which is highly risk-averse... even to the detriment of its members. I accept that. However, I have no history of misuse of my deposit accounts. Its been 11 years since I last even bounced a check. I think I'm entitled to the benefit of the doubt to have the check in question presented again for payment. 

I also spent a significant amount of time on hold on XX/XX/XXXX and was told there were no managers or specialists available to assist me.
Product: Credit reporting or other personal consumer reports

I'm putting down to bestow my anxiety concerning the tested accounts on my credit report. On various occasions, I have raised the issue of stumbles in these records, and have constantly referred to that they be totally researched. In spite of my endeavors, I at this point clearly can't get any goal or accommodating activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a standard life. The antagonistic results of these mistakes have caused huge difficulties for me, and I'm left with no decision beside to fight for your help with reconsidering what's happening at the earliest entryway. I thoughtfully demand that you lead a wary evaluation concerning the critical of these tested records. It is fundamental that the critical advances are taken to restore and address my credit report right away. With your assistance, I need to reestablish the precision and dependability of my credit report so I could recover command over my cash related flourishing. I really encourage you to offer this matter your generally unbelievable idea and make a quick move. Your participation and moving in settling this issue quickly would be exceptionally huge. Appreciative to you from the beginning for your comprehension and help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand immediate action regarding the fraudulent and unverifiable information on my credit report. My recent investigation into my credit file revealed inaccurate, unsubstantiated items, and a direct result of identity theft. This has caused me severe emotional distress, which your agency is legally responsible for addressing. Under 15 U.S.C. 1681e ( b ), your agency is required to ensure the maximum possible accuracy of the information contained in my credit report. It is abundantly clear that this obligation has not been met, and I hold your agency fully accountable for this oversight. Furthermore, under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to a detailed description of your agency 's procedures to verify the accuracy and completeness of the disputed information. This includes the business name, address, and phone number of any furnisher of the information in question. I demand that this description, including all related documentation, be provided to me within 15 days of this request. 

I have previously notified your agency that I am a victim of identity theft as a result of the XXXX data breach. Attached is my Federal Trade Commission ( FTC ) Identity Theft Report. I have already demanded the immediate removal and blocking of all fraudulent information from my credit report as required by 15 U.S.C. 1681c-2 ( a ). However, the following items remain on my credit report, and this failure to act is unacceptable. 

Items in Question : XXXX XXXX  XXXX - XXXX It is out of date and does not comply with reporting obligations and consumer legislation. I kindly request that you provide documentation confirming compliance, and I demand that any wrong, incomplete, or unsupported material be deleted from your records. 

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX - XX/XX/year> - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report XXXX - XX/XX/year> - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report XXXX - XX/XX/year> - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, and I have generated this statement by myself. Per 15 USC Code 1681S ( a ) ( 1 ) ( a ( & ) ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts mentioned in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. Per the FCRA US Codes provided, they summarize that it is NON-PERMISSIBLE for a creditor to report anything under any circumstances, without my written instructions to do so. No consent constitutes identity theft. As a federally protected consumer, I am demanding the deletion and removal of ALL the Listed accounts immediately. Additional UnAuthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Hard inquiry A medical debt collections account was added to my credit report, in addition to other hard inquiries. 

I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 )
Product: Debt collection

JPMCB XX/XX/XXXX I sent a Notice of Adequate Assurance of Due Performance, Personal Affidavit, Bank Affidavit. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Default and Opportunity to Cure. I received a templated response. 

XX/XX/XXXX I sent a notice of pending litigation. I received a bill and a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Pending Litigation. I received a bill that was said to validate NOT VERIFY the debt. 

XX/XX/XXXX I sent a request for a Method of Verification. I received a bill and a templated response. 

The inaccuracies are as follows : JPMCB The reporting across all the agencies is inconsistent. 
The charge-off date has been reported month over month which has left an inaccurate Date of Last Activity. 
Payment history is inconsistent and inaccurate. 
Not verified debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report from JPMCB CARD SERVICES, XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry is from XX/XX/2018. 

I had nothing to do with this. When I got my taxes back last year ( 2018 ) the IRS sent me a letter saying I have suspicious activity and may be a victim of identity theft.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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